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Citi AA credit cards, except Executive. (2013-2014)

Old Jun 13, 2013, 2:57 pm
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Last edit by: mia
This wiki is no longer being maintained/updated.

See the new thread & wiki at http://www.flyertalk.com/forum/citi-...24-months.html.

* * *


SEE NEW THREAD - 50K AA Cards


As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be rapidly churned.

Click HERE to review the previous thread on this topic.

Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer.

For information on the Executive version of this card, with $450 annual fee, not waived, see: Up to 100k miles Citi Executive AAdvantage offers

MOST CURRENT 50K LINKS:

Citi Personal and Business:50K miles & two Admirals Club one-day passes after $3000 spend in 3 months, $95 fee waived first year.

Citi AA Platinum Personal Mastercard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here. This is a CHIP and Signature card.

Landing page for 50K Business and Personal MC requires $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to this application page.

OTHER PERSONAL CARDS

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year.

Citi Gold Mastercard. 25,000 miles after $750 spend in 3 months. $50 annual fee, waived first year. Landing page available here

If you are already a Citigold customer, read this post from the Miles Professor about another 50K offer from your branch office for the American Airlines credit card.

OTHER BUSINESS CARDS

Citi Business MasterCard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 35,000 miles after $1.5k spend in 3 months.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.


Citibank Contacts/Resources (Please add the others that you know)
  • Application status: https://www.accountonline.com/cards/...?screenID=3187
  • (800) 695-5171 Personal Application Status and Reconsideration Line with live rep
  • (800) 763-9795 General Personal Application Inquiries with live rep
  • (800) 645-7240 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (800) 288-4653 Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (866) 606-2787 General Application and Account Questions with live rep
  • (888) 201-4523 Application status
  • (866) 606-2961 Reconsideration Line.
  • Twitter : @AskCiti. Very powerful tool.
  • Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117

FAQ
  1. Are these AA cards churnable?
  2. What are the most current time-restriction rules in applying for all Citi cards?
  3. Do I need to close existing cards before applying?
  4. When should I close existing Citi accounts?
  5. Can I apply for a business card if I dont have a business?
  6. Can I buy Visa gift cards to meet my minimum spend?
  7. Do I get 10% back when redeeming miles for awards?
  8. Do I have to use my own AAdvantage number on applications?
  9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
  10. When will my bonus miles post?
  11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
  12. Can I cancel a card using secure messaging?
  13. I activated the card online and got a message about this card replacing an old card. What does that mean?
  14. Which credit bureau does Citi pull and can I force them to use a different one?

1. Are these AA cards churnable?
Yes and No. The general rules are:
  • Personal AA cards: As of August 25, 2013 all linked personal AA cards in this thread can be churned only after Citi decides that you are no longer an existing cardmember. This usually occurs between 12 and 26 months after your last successful AA personal card approval of any type including AA Executive card(s). If you want both a Platinum card and an Executive AA card and are eligible under the 12-26 month rule, get the Platinum card first or the Executive card will restart the clock. Although it is not a hard-and-fast rule, 18 months after previous approval is the most common. YMMV. You do not need to cancel old personal cards.
    • Note: You cannot circumvent this rule by applying for a card type different from your previous Citi AA card. If your last personal AA card was a Visa, the waiting period for your next personal AA card will be the same regardless of whether you apply for a Visa, MC, or Amex.

  • Business AA cards: have been churnable repeatedly by some people without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some other people have been unable to churn business cards at all. Also, some (but not all) people need to completely cancel their previous business card (ie, cancel both the card account and the associated master account) before they can apply for another business card.

    Note: If you encounter difficulty in obtaining a Citi AA business card after holding one before, it may because of the unusual way Citi sets up business accounts. The business account per se has its own master number; like a standard MC/Visa, this master account number is 16 digits. In addition, each card on the account has its own 16-digit card number. Each of these numbers, including the number for the primary cardholder, is different from the master account number.

    Sometimes, when you call to close your card account, all the card numbers are canceled but the master account remains open. When this happens, subsequent applications for a business card may encounter difficulty. Online, there should be a dropdown of accounts under your business login; the number that match your card number is your card account, the number that does not match your card number is your master account. When cancelling, ask to cancel both accounts, giving the last 4 digts of each (as shown in that dropdown).


2. What are the most current time-restriction rules in applying for all Citi cards?
  • Only 1 Citi application of any kind per week (8 days to be safe).
  • No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
  • No more than 1 Citi business application in 90 days (95 to be safe). This does not override the rules above.

While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible. Note: In applying the rules above, count all Citi applications, including denials and/or applications for non-AA cards.

Mixed type Example:
Day 1 60K HHonors Visa
Day 9 or later 50K Personal Platinum Visa
Day 66 or later 50K Business #1
Day 74 or later 60K Executive
Day 161 or later 50K Business #2
18 Months, 74 days or later 50K Personal Platinum Visa

Not sure what day you applied? The date is written year, month, day in the application number: 201402280000 means you applied on Feb 28, 2014


3. Do I need to close existing cards before applying?
No. There is no requirement that you close previous personal accounts. People have reported having 4 or more of the exact same card. However, many people have reported problems getting AA Business cards if they have an open Business account.


4. When should I close existing Citi accounts?
This is a matter of personal preference. Citi cards can be closed immediately after receiving a bonus and paying off the balance. There are no verifiable reports of Citi clawing back miles (exception - miles were clawed back for returned merchandise around November 2011).

Reasons to keep accounts open:
  • Having large credit lines improves your utilization percentage.
  • Maintaining old cards improves average age of cards.
  • Credit lines can be moved from old cards to new cards.
  • Anecdotal evidence suggests that Citi counts the credit lines of recently-closed accounts for 3-6 months against your total available credit.
  • You can receive retention offers once every 6 months per card. See this thread for details on the latest retention offers.

Reasons to close accounts:
  • Having a large amount of available credit with Citi will eventually reduce your chances of instant approval. Your application will automatically be reviewed if your CL's total 75K or more. This may also result in a large disparity between existing account CL's and new CL's, such as 20K, 20K and 1K for a new card, as an example.
  • There is little incentive to pay an annual fee if it is not waived.
  • The annual fee on Business cards is rarely waived.
  • Having a large number of open Citi cards will show up on your credit report and may affect non-Citi applications as well as the overall age of your accounts.


5. Can I apply for a business card if I dont have a business?
Anyone can apply for a business card. You do not need a registered business with an EIN. If you do not have a business with an EIN or with bills/accounts in the business name, you can apply using your name as the business. The three possibilities are that: 1. You could be approved unconditionally, 2. You could be asked to fax a couple of bills or accounts (water, electricity, gas, cable, or phone bills, bank accounts, etc.) in the name of the business to Citi, or 3. You could be required to fill out and send a 4506-T tax form. Whatever you do do not make up income etc. about the business. Plenty of people have been issued cards for businesses with $0 annual revenue, 1-5 employees, and 0 years in business.


6. Can I buy Visa gift cards to meet my minimum spend?
Purchases from banks are almost always coded as a cash advance regardless of what they are for. Purchases from stores, e.g. CVS, are almost always coded as a purchase.
If you are concerned about it, its recommended to send a secure message Citi and have them set your Cash Advance limit to zero. Phone CSRs often say they can not do this.


7. Do I get 10% back when redeeming miles for awards?
It depends. First, the rebate program (which began in April 2012) applies only to holders of these cards:
  • Citi Platinum Select AAdvantage Visa Signature
  • Citi Platinum Select AAdvantage World MasterCard
  • Citi Platinum Select AAdvantage World Elite MasterCard
  • Citi Select AAdvantage American Express
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.

Also, the maximum rebate for any cardholder in a single calendar year is 10,000 miles. Having more than one qualifying Citi AA card will not allow you to receive a larger rebate; the restriction applies per AAdvantage account.

For more on the 10% rebate benefit, see Citi 10% miles back / rebate for reward redemption.


8. Do I have to use my own AAdvantage number on applications?
Yes. The name on the card application must match the name on the AAdvantage account. You cannot apply for multiple cards for different people and use the same AAdvantage account number. AA does not care or even know how many Citi accounts you have so there is no harm in having your AAdvantage account number associated with multiple cards in your name. If you forget to add your AAdvantage account number to your application, an AAdvantage account in your name will be created and can later be merged with your existing account by calling AA.


9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
You need to have faith in the people here if you want to maximize your miles. The people on this board constantly apply for these cards and report back what they are told are the benefits and what they actually receive. The way Citi works is that if you are approved for a card, you will get the bonus associated with the link you applied under as long as you make the minimum spend. It does not matter if you already had the card or anything else. If you are approved - then you get the bonus. The two exceptions to this are: 1. If you fail to clear your cache and accidentally load a cached application, you get the miles associated with that application and 2. Some people have recently succeeded in 'bumping the bonus' by contacting Citi and requesting a match to a 50K offer after applying for a 40K card. If you don't feel like trusting in the experiences of others, then apply for an offer with a landing page.


10. When will my bonus miles post?
Two working days after the date of the statement containing the charge that takes you across the spend threshold. It posts overnight, it'll be there when you check your AAdvantage account in the morning.


11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
No one knows exactly why this is happening to some people (Citi blames AA, AA blames Citi, and both blame the merger). It supposedly has something to do with the time it takes them to properly link your AAdvantage number to your card. There are two ways to deal with this:
  • Wait 1-2 statement periods, and see if the points post on their own. Per Citi, it can take this long for the accounts to link.
  • Call AA (1-800-882-8880) and open a case about it. Most people have had their miles post within 2 weeks of doing this.

For ongoing discussion, see Some AA Citi Card miles not transferred to AAdvantage accounts [Q3 2013 - Q1 2014]


12. Can I cancel a card using secure messaging?
Yes, assuming you have set up the credit card in your Citi account. Quick and easy.


13. I activated the card online and got a message about this card replacing an old card. What does that mean?
When activating cards online, Citi normally displays the text:

"This account replaces your old account, which is now closed. Statements for your old account will be available for up to 6 months. Your current account summary and unbilled transactions are now listed under your new account number."
This is normal and is supposed to be displayed when activating a replacement card but it seems to display even when activating a brand new card. This is nothing to worry about.


14. Which credit bureau does Citi pull and can I force them to use a different one?
Citi appears to use Experian most frequently, followed by Equifax. For some people they pull both. It depends on where you are located. You can check the Credit Boards database to see where card issuers have pulled recently.

For the most part, freezing Experian, or another bureau, will not cause Citi to pull a different bureau. They will almost certainly require you to unfreeze the bureau they wish to pull or deny your application. Some people have been successful providing the PIN but others have not. Mostly, freezing a credit bureau in an attempt to force Citi to pull a different one seems to waste time, money, and effort for little result. But YMMV.

For one person's experiences with various card issuers, check here.


For rules and info on any offers that include Admirals club passes or statement credits, see here.
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Citi AA credit cards, except Executive. (2013-2014)

Old Sep 12, 2014, 5:32 pm
  #5056  
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Join Date: Feb 2003
Posts: 8,135
Originally Posted by sdsearch
No, instead Citi has a much better policy where you can often get the 2nd year annual fee (and maybe also the 3rd year annual fee, etc) credited in full and yet get to keep the card too! There's a whole separate thread about that; see here:

http://www.flyertalk.com/forum/citi-...all-cards.html

And since the time you can apply for your next Citi card has nothing to do with whether you cancel or not (only with when you last got your previous card). why not keep the card another year if it doesn't cost anything? That way you can have its benefits (free checked bag, priority boarding, 10% rebate -- up to 10k a year -- on award redemptions, etc) another year.
I'm well aware of the retention policy (& recent changes to Citi's practices in that regard, about which I've posted in the referenced thread).

In my case, there's not much reason to keep the card since
  • I get all the same benefits from my Citi AA biz card, and
  • it would be nice to free up some excess credit when I apply for my next Citi card.
beltway is offline  
Old Sep 13, 2014, 9:02 am
  #5057  
 
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Originally Posted by beltway
it would be nice to free up some excess credit when I apply for my next Citi card.
Assuming your card is not an EXEC, you can lower your credit line to $2K by SM, and that excess CL will become available for new apps in just a few weeks. Then if you need to call Recon, you can transfer the whole $2k to the new card and cancel the old one.

But if you lower most of your CLs with Citi to the required minimum you will be much more likely to get an instant approval. Then just cancel the card; it's only $2k, and it will bounce back in 3 or 6 months.

Just be aware once your AF on the old card posts, Citi will not let you transfer the CL and cancel it, because you "have unpaid charges". Even though the only charges on it are the AF, which isn't even due yet.

My two previous EXEC apps I had to call Recon, and they only gave me $5K each time. Then I lowered my CLs on all but one of my Citi cards to the req min, and my app for another EXEC last week got instant approval with a CL of $15,500K.
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Old Sep 13, 2014, 10:04 am
  #5058  
 
Join Date: Dec 2013
Location: California
Posts: 6
Been a while since I logged in.

I'm a bit confused by the "churning" topic and wanted to get clarification. Here's my Citi card history:
1. Approved for Citi Personal AMEX Dec 2011 (Card is closed)
2. Approved for Citi Personal VISA Dec 2011 (Card is closed) {used the double browser trick}
3. Approved for Citi Business MASTERCARD June 2012 (Card is closed)
4. Approved for Citi Personal VISA July 2013 (Card is closed)

From what I understand, I can NOT get a Citi Personal card of ANY type until ~18 months from July 2013, correct?
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Old Sep 13, 2014, 10:56 am
  #5059  
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Originally Posted by 1travelcat
From what I understand, I can NOT get a Citi Personal card of ANY type until ~18 months from July 2013, correct?
Almost. There's one exception: You can get the Citi Executive AA card which is a personal card, but it has a very high annual fee ($450, not waived) and quite high spend requirements ($5000 in the same 2.5 months) to get another 50k. If still interested, see this separate thread about it:

http://www.flyertalk.com/forum/citi-...e-posting.html

If you got that Executive AA card, your ~18 month clock for any other AA personal cards would reset again.

If you don't get that Executive AA card, then, yes, your ~18 month clock started in July 2013.
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Old Sep 13, 2014, 11:03 am
  #5060  
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Originally Posted by beltway
I get all the same benefits from my Citi AA biz card
All? Are you sure? According to this currently-available landing page that compares the personal card with the business card:

http://creditcards.citicards.com/usc...romocode=away6

the business card does not have the 10% rebate on award redemptions (up to 10k annually).
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Old Sep 13, 2014, 9:39 pm
  #5061  
 
Join Date: Oct 2007
Programs: Marriott, Radisson, AA, UA
Posts: 360
Originally Posted by FrequentSleeper
Another not-great data point. I have a Citi business Mastercard active since about 1/1/14 (first charge was 1/4/14). Just applied for another (same business, same other data) and was turned down in 45 seconds by the auto-denier on the website. Are they getting smarter, or was there an obvious implicit proviso that I missed (such as, always use a different business when you apply)?
I am also a little confuse about business card churnability myself.
According to wiki, business cards are churnable. But when I read further, there is a master account. You need to close it before you can apply another business account.

Can one have a same master account, but able to get more than 1 bonus?
Or do you need to use a different company name in order to get another master account for the second bonus?
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Old Sep 14, 2014, 9:30 am
  #5062  
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Originally Posted by echip
I am also a little confuse about business card churnability myself.
According to wiki, business cards are churnable. But when I read further, there is a master account. You need to close it before you can apply another business account.

Can one have a same master account, but able to get more than 1 bonus?
Or do you need to use a different company name in order to get another master account for the second bonus?
Some people can, some people can't. Why risk it, when you might be one of those people who can't?

Just because person A got something to work, that doesn't mean that you (person B) will be able to.

It seems safer to close the master account, since we have more reports of people who get denied when their previous master account is left open than reports of people who get accepted when their previous master account is left open.

Since there's no good purpose to leaving it open. why not close it if you can? (Some people who closed the card itself some time ago don't know how to close the master account any more. But if you are about to close your card account, it's easy to close the master account at the same time, so why not do it?)

I see no downside to closing the master account if you can.

If you close a master account, and then later are approved for another business card, they'll create a new master account for you.

(This is all assuming you're getting business cards for the signup bonus. In that case, you don't need the master account at all. The master account exists for those businesses who want multiple card accounts for employees but under one master account that the business owner can keep track of all employee expenses under. If you don't have employees, you don't actually need the master account, but Citi automatically creates one "out of habit" anyway.)

Last edited by sdsearch; Sep 14, 2014 at 9:38 am
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Old Sep 14, 2014, 10:09 am
  #5063  
 
Join Date: Aug 2012
Location: DCA
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How do I know if my master account is closed or not? Thanks

Originally Posted by sdsearch
Some people can, some people can't. Why risk it, when you might be one of those people who can't?

Just because person A got something to work, that doesn't mean that you (person B) will be able to.

It seems safer to close the master account, since we have more reports of people who get denied when their previous master account is left open than reports of people who get accepted when their previous master account is left open.

Since there's no good purpose to leaving it open. why not close it if you can? (Some people who closed the card itself some time ago don't know how to close the master account any more. But if you are about to close your card account, it's easy to close the master account at the same time, so why not do it?)

I see no downside to closing the master account if you can.

If you close a master account, and then later are approved for another business card, they'll create a new master account for you.

(This is all assuming you're getting business cards for the signup bonus. In that case, you don't need the master account at all. The master account exists for those businesses who want multiple card accounts for employees but under one master account that the business owner can keep track of all employee expenses under. If you don't have employees, you don't actually need the master account, but Citi automatically creates one "out of habit" anyway.)
mxhjustin is offline  
Old Sep 14, 2014, 2:03 pm
  #5064  
 
Join Date: Oct 2007
Programs: Marriott, Radisson, AA, UA
Posts: 360
Sdsearch,

FrequentSleeper got denied, not me. I have not applied for the second business account.
There are reasons why people do not or cannot close their master account.
I can't because my business account is old with good history with Citi.
Some other people don't want to close because their card is too new, such as just applied for only 91 days, and would like to churn again.

I would like to know does anyone here have ONE master account and was able to get another bonus? Or in order to get another bonus, do they need to use another business name?



Originally Posted by sdsearch
Some people can, some people can't. Why risk it, when you might be one of those people who can't?

Just because person A got something to work, that doesn't mean that you (person B) will be able to.

It seems safer to close the master account, since we have more reports of people who get denied when their previous master account is left open than reports of people who get accepted when their previous master account is left open.

Since there's no good purpose to leaving it open. why not close it if you can? (Some people who closed the card itself some time ago don't know how to close the master account any more. But if you are about to close your card account, it's easy to close the master account at the same time, so why not do it?)

I see no downside to closing the master account if you can.

If you close a master account, and then later are approved for another business card, they'll create a new master account for you.

(This is all assuming you're getting business cards for the signup bonus. In that case, you don't need the master account at all. The master account exists for those businesses who want multiple card accounts for employees but under one master account that the business owner can keep track of all employee expenses under. If you don't have employees, you don't actually need the master account, but Citi automatically creates one "out of habit" anyway.)
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Old Sep 14, 2014, 6:48 pm
  #5065  
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Originally Posted by mxhjustin
How do I know if my master account is closed or not? Thanks
If you're about to close your biz card account, log into your Citi biz account online, then look at the drop down for accounts. One of those will have the last 4 digits of your biz card; that's your card account. The other will have different set of last 4 digits which don't match your biz card; that's your master account. Now that you have the last 4 digits of both: Send a secure message to Citi asking them to close both the card account ending in CDEF and the master account ending in MNOP.

If you recently closed your card account, and you can still log in and see it online, then use a variation of the above technique, where you send a secured message asking only to close the master account (giving its last 4 digits), since the card account is already closed.

But if you closed your card account so long ago that you can no longer log in and see it, I don't know how you find out your master account last 4 digits, and thus I don't know how you explain to Citi what exact account you want to close.
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Old Sep 14, 2014, 7:21 pm
  #5066  
 
Join Date: Apr 2011
Posts: 2,055
Originally Posted by echip
<SNIP>

I would like to know does anyone here have ONE master account and was able to get another bonus? Or in order to get another bonus, do they need to use another business name?
From what I have seen over the past 3-4 years, it is far easier to get a business card as a sole proprietor with 1 year, $0 revenue and 1-5 employees than it is to get one with a registered business with an EIN. That has just been what I have noticed from posts and my own (limited) experience.

I have seen more than one person get denied on a second business card for a named business with an EIN, etc.

If you apply for a new card for the same business AFAIK it will always give you a new Master Account and new individual card accounts.
IkeEsq is offline  
Old Sep 16, 2014, 9:07 am
  #5067  
 
Join Date: Apr 2007
Posts: 1,857
Just to verify: when you add an employee to your business card when you're applying, there's no credit pull or anything else like that done for that employee, correct?
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Old Sep 16, 2014, 1:28 pm
  #5068  
 
Join Date: Mar 2007
Location: ABQ & RNO
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Posts: 1,414
I had the Citi AA Business CC and canceled it this spring.
I just applied and was denied because I have previously received the bonus.
I was told I would have to wait 18 months before I could receive the bonus again. This is the first time I have heard of this with regard to Citi Business CC applications/bonuses.
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Old Sep 16, 2014, 7:00 pm
  #5069  
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Originally Posted by 236Dakota
I had the Citi AA Business CC and canceled it this spring.
I just applied and was denied because I have previously received the bonus.
I was told I would have to wait 18 months before I could receive the bonus again. This is the first time I have heard of this with regard to Citi Business CC applications/bonuses.
What exactly do you mean by you canceled "it"? Did you cancel both the card account and its associated master account, or only the card account? As has been discussed here much before (and is in the Wikipost), many (though not all) people cannot get a second business AA card if the master account from their first business AA card was never closed.

(Business accounts have a master account, in addition to the card account, in the excpectation that you might want to have additional cards, with separate card accounts, for your employees, but want to manage them all together under one "umbrella" account which is claled the master account. A business account is not really closed until its master account and all of its card accounts have been closed.)
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Old Sep 16, 2014, 7:06 pm
  #5070  
 
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Originally Posted by 236Dakota
This is the first time I have heard of this with regard to Citi Business CC applications/bonuses.
Then you haven't been reading the various Citi threads. Churning a Citi Bus card is extremely YMMV. Some people get card after card, some have to really work to get a second. And some can't ever get more than one. If there is any reason for that, other than that Citi is very quirky, there aren't enough data points to know what it may be.
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